Some insurers have been inspired by the American way in their 'zero tolerance' approach to fighting crime.

Indeed, the latest idea seems to have come from the people of New Orleans and their methods of clamping down the activities of looters following Hurricane Katrina.

Backchat has heard that one fraud expert feels a double-barrelled warning with a hair-trigger could be the next sure-fire method of permanently eliminating the activities of fraudsters. Hmmm.